List of FHA Down Payment Assistance Programs

One of the many benefits of an FHA loan is the low down payment requirement of 3.5%. Despite the low down payment requirements, some buyers might still need a little help. Below is a list of down payment assistance programs and/or grants that was researched and compiled by the team at FHAloans.com. The list below breaks down the various programs in each state.

This list can be used to assist in researching down payment assistance programs or grants for your situation.

NOTE: Seller-funded Down Payment Assistance programs were eliminated in the Housing and Economic Recovery Act of 2008. This list if for reference only.

Down Payment Assistance Programs in Every State (Skip To)

• States A - C
• States D - F
• States G - I
• States J - L
• States M - P
• States Q - S
• States T - V
• States W - Z

FHA Down Payment Programs by State

Alabama

Below is a list of down payment assistance programs for the state of Alabama.

• Step-Up Program
• Mobile County Down Payment Assistance Program

» Learn More: FHA Loans in Alabama

Alaska

Below is a list of down payment assistance programs for the state of Alaska.

• Affordable Housing Enhanced Loan Program
• Cook Inlet Down Payment Assistance Program
• Home Opportunity Program
• THRHA Down Payment Assistance Program

» Learn More: FHA Loans in Alaska

Arizona

Below is a list of down payment assistance programs for the state of Arizona.

• HOME Down Payment Assistance Program
• HOME Plus Program
• Pathway to Purchase Down Payment Assistance
• Pima Tucson Homebuyer’s Solution Program

» Learn More: FHA Loans in Arizona

Arkansas

Below is a list of down payment assistance programs for the state of Arkansas.

• ADFA Down Payment Assistance
• Arkansas Dream Down Payment Initiative
• Jonesboro Homeownership Assistance Program
• City of Pine Bluff Down Payment Grants
• Crawford-Sebastian Homeownership Center

» Learn More: FHA Loans in Arkansas

California

Below is a list of down payment assistance programs for the state of California.

• CalHFA My Home Assistance Program
• Brentwood Down Payment Assistance Program
• Emeryville First Time Homebuyer Loan Program
• GSFA Platinum Program
• CalHome Program
• First Home Mortgage Program
• Monterey County Down Payment Assistance Program
• Santa Ana Down Payment Assistance Program
• Riverside Down Payment Assistance Program

» Learn More: FHA Loans in California

Colorado

Below is a list of down payment assistance programs for the state of Colorado.

• Turnkey Mortgage Program
• Metro Mortgage Assistance Plus Program
• CHFA SmartStep Plus
• CHFA FirstStep Plus

» Learn More: FHA Loans in Colorado

Connecticut

Below is a list of down payment assistance programs for the state of Connecticut.

• CHFA Down Payment Assistance Program
• Fairfield Homeownership Assistance Program
• Hamden First-Time Homebuyer Down Payment Assistance Grant
• HouseHartford Homebuyer Assistance Program

» Learn More: FHA Loans in Connecticut

Delaware

Below is a list of down payment assistance programs for the state of Delaware.

• New Castle County Down Payment Settlement Program
• New Castle County ReVaMP Program

» Learn More: FHA Loans in Delaware

District of Columbia

Below is a list of down payment assistance programs for the District of Columbia.

• DC Open Doors Down Payment Assistance

Florida

Below is a list of down payment assistance programs for the state of Florida.

• Home Sweet Home Hillsborough Program
• Home Ownership Program
• HFA Miami-Dade Mortgage Program
• Broward County Homebuyer Purchase Assistance Program
• State Housing Initiatives Partnership Program
• Orange County Down Payment Assistance Program
• Hardest Hit Fund Down Payment Assistance
• Escambia County Down Payment and Closing Cost Assistance
• Palm Bay HOME Down Payment Assistance Program
• FirstPlus Program
• Home Key Plus 2nd Mortgage

» Learn More: FHA Loans in Florida

Georgia

Below is a list of down payment assistance programs for the state of Georgia.

• Georgia Dream Homeownership Program
• Homestretch Down Payment Assistance Program
• We DeKalb DPA Program

» Learn More: FHA Loans in Georgia

Hawaii

Below is a list of down payment assistance programs for the state of Hawaii.

• HHOC Down Payment Assistance Loan
• Honolulu Down Payment Loan Program
• Hula Mae Mortgage Loan Program

» Learn More: FHA Loans in Hawaii

Idaho

Below is a list of down payment assistance programs for the state of Idaho.

• Good Credit Rewards Program

» Learn More: FHA Loans in Idaho

Illinois

Below is a list of down payment assistance programs for the state of Illinois.

• Down Payment Plus Programs
• HOMEbuyer Program
• 1stHomeIllinois
• Community Connections Home Buyer Assistance Program
• City of Alton's Homeownership Program
• Joliet Down Payment Assistance Program
• Kane County First-Time Homebuyer Program
• Normal Homebuyer’s Down Payment Assistance Program
• Romeoville Assist Program

» Learn More: FHA Loans in Illinois

Indiana

Below is a list of down payment assistance programs for the state of Indiana.

• Homebuyers Assistance Program
• First Time Home Buyer Down Payment Assistance
• Next Home

» Learn More: FHA Loans in Indiana

Iowa

Below is a list of down payment assistance programs for the state of Iowa.

• Cedar Rapids First Time Home Buyer Program
• Dubuque First-Time Homebuyer Loan Program
• Waterloo Down Payment Assistance Program
• FirstHome Plus
• Home$tart and Home$tart Plus Programs

» Learn More: FHA Loans in Iowa

Kansas

Below is a list of down payment assistance programs for the state of Kansas.

• Kansas Housing Assistance Program
• KHRC First Time Homebuyer Program
• Federal Home Loan Bank Down Payment Assistance Program
• Capitol Federal Closing Costs Assistance Program

» Learn More: FHA Loans in Kansas

Kentucky

Below is a list of down payment assistance programs for the state of Kentucky.

• Covington Homebuyer Assistance Program
• Hardest Hit Fund Down Payment Assistance
• Louisville Down Payment Assistance Program
• Your Kentucky Home Program

» Learn More: FHA Loans in Kentucky

Louisiana

Below is a list of down payment assistance programs for the state of Louisiana.

• Expand to Homeownership
• First-time Homebuyers Assistance Program
• Home Buyers Assistance Program Participation Initiative (HAPPI)
• Southern Mortgage Assistance Program
• Market Rate GNMA Program
• LHC Preferred Conventional Program

» Learn More: FHA Loans in Louisiana

Maryland

Below is a list of down payment assistance programs for the state of Maryland.

• Maryland Mortgage Program

» Learn More: FHA Loans in Maryland

Michigan

Below is a list of down payment assistance programs for the state of Michigan.

• Michigan First Home Down Payment Assistance
• Michigan Next Home Down Payment Assistance

» Learn More: FHA Loans in Michigan

Missouri

Below is a list of down payment assistance programs for the state of Missouri.

• CAASTLC Housing Assistance
• City of Springfield Down Payment Assistance
• Homeownership Assistance Program

» Learn More: FHA Loans in Missouri

Minnesota

Below is a list of down payment assistance programs for the state of Minnesota.

• First Time Homebuyer Program
• Down Payment and Closing Cost Loans

» Learn More: FHA Loans in Minnesota

Montana

Below is a list of down payment assistance programs for the state of Montana.

• NeighborWorks Montana
• Score Advantage Down Payment Assistance Program

» Learn More: FHA Loans in Montana

Nebraska

Below is a list of down payment assistance programs for the state of Nebraska.

• NIFA Loan Programs

» Learn More: FHA Loans in Nebraska

Nevada

Below is a list of down payment assistance programs for the state of Nevada.

• Home at Last Access Down Payment Assistance Grant
• Home Is Possible Down Payment Assistance Grant

New Hampshire

Below is a list of down payment assistance programs for the state of New Hampshire.

• Home Flex Plus

» Learn More: FHA Loans in New Hampshire

New Jersey

Below is a list of down payment assistance programs for the state of New Jersey.

• NJHMFA Down Payment Assistance Program

New York

• First Home Club Matched Savings Program
• ACRHA Acquisition/Rehabilitation Grant
• Home Acquisition Program (HAP)
• Homebuyer Incentive Program (HIP)
• First Time Home Buyer’s Program
• Housing Opportunities Foundation Individual Grant Program
• Rensselaer County Homebuyer Program

North Carolina

Below is a list of down payment assistance programs for the state of North Carolina.

• NC Home Advantage Mortgage Program

» Learn More: FHA Loans in North Carolina

North Dakota

Below is a list of down payment assistance programs for the state of North Dakota.

• Start Program
• NDHFA Down Payment and Closing Cost Assistance Program

» Learn More: FHA Loans in North Dakota

Ohio

Below is a list of down payment assistance programs for the state of Ohio.

• Cuyahoga County Down Payment Assistance Program
• Dayton Down Payment Assistance Program
• Your Choice! Down Payment Assistance Program

» Learn More: FHA Loans in Ohio

Oklahoma

Below is a list of down payment assistance programs for the state of Oklahoma.

• REI Down Payment Assistance Program

» Learn More: FHA Loans in Oklahoma

Oregon

Below is a list of down payment assistance programs for the state of Oregon.

• Extra Step and Project Reinvest Loans
• First Time Home Buyer Loan Program
• HOME Foundation Buyers Assistance Grant

» Learn More: FHA Loans in Oregon

Pennsylvania

Below is a list of down payment assistance programs for the state of Pennsylvania.

• HOMEstead Down Payment and Closing Cost Assistance Loan
• Keystone Advantage Assistance Loan Program
• Delaware County Homeownership First Program
• Lancaster Housing Opportunity Partnership DPA Program

» Learn More: FHA Loans in Pennsylvania

Rhode Island

Below is a list of down payment assistance programs for the state of Rhode Island.

• RIHousing Extra Assistance Program

» Learn More: FHA Loans in Rhode Island

South Carolina

Below is a list of down payment assistance programs for the state of South Carolina.

• Homeownership Program

» Learn More: FHA Loans in South Carolina

South Dakota

Below is a list of down payment assistance programs for the state of South Dakota.

• HAPI Down Payment Closing Cost Assistance
• Sioux Falls Homebuyer Assistance Program
• Fixed Rate Plus Option

» Learn More: FHA Loans in South Dakota

Tennessee

Below is a list of down payment assistance programs for the state of Tennessee.

• First Time Home-Buyers Program

» Learn More: FHA Loans in Tennessee

Texas

Below is a list of down payment assistance programs for the state of Texas.

• My First Texas Home
• Hill Country Home Down Payment Assistance
• 5 Star Texas Advantage Program
• Home Star Program
• Homeownership Across Texas
• Homes for Texas Heroes Program

» Learn More: FHA Loans in Texas

Utah

Below is a list of down payment assistance programs for the state of Utah.

• UHC Down Payment Assistance
• CDCU Down Payment Assistance
• West Valley City Down Payment Assistance Grant

» Learn More: FHA Loans in Utah

Vermont

Below is a list of down payment assistance programs for the state of Vermont.

• Vermont Housing and Finance Association ASSIST Loan
• Manufactured Housing Down Payment Loan Program

» Learn More: FHA Loans in Vermont

Virginia

Below is a list of down payment assistance programs for the state of Virginia.

• HOMEownership Down Payment and Closing Cost Assistance Program
• VHDA Down Payment Assistance Grant

» Learn More: FHA Loans in Virginia

Washington

Below is a list of down payment assistance programs for the state of Washington.

• Tacoma Down Payment Assistance Program
• Seattle Down Payment Assistance Program
• Pierce County Down Payment Assistance Program
• Opportunity Down Payment Assistance Loan Program
• HomeChoice Down Payment Assistance Program
• Bellingham Down Payment Assistance
• ARCH East King County Down Payment Assistance Loan
• Home Advantage Down Payment Assistance Loan Program
• Veterans Down Payment Assistance Loan Program

» Learn More: FHA Loans in Washington

West Virginia

Below is a list of down payment assistance programs for the state of West Virginia.

• Movin’ Up Program
• HOMEownership Program

» Learn More: FHA Loans in West Virginia

Wisconsin

Below is a list of down payment assistance programs for the state of Wisconsin.

• Easy Close Advantage Program

» Learn More: FHA Loans in Wisconsin

Wyoming

Below is a list of down payment assistance programs for the state of Wyoming.

• Welcome Home Wyoming Program
• Home $tretch Loan Program

» Learn More: FHA Loans in Wyoming